No Proof Of Income

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What exactly is a personal loan?: A personal loan is a sum of money which you borrow. This could be from a bank, building society or another financial institution.
What is a Home improvement Loan?: Many people choose to take out home improvement loans so they can give their house a new look before selling.
What is the maximum value of the secured loans I can have in relation to the value of my property (LTV ratio)?: The industry average for the LTV ratio (Loan to Value Ratio) is 75%. This means that if your property is valued at £100,000 – you will be able to borrow £75,000 against it. It may be possible to get more than that – for example 85% or 90% - however you will need an excellent credit history and must in general be considered a ‘no risk’ customer by the loan provider.
Can I cancel my loan application if I decide not to go ahead for any reason?: If you decide you want to cancel your loan application once you have made it, you can do so within a certain period of time set by the loan company.
I’m self-employed, am I still eligible?: Self-employed loans used to be difficult to find and expensive. But today, now that more and more people are working for themselves, self-employed loans are widely available and, as interest rates have fallen to their lowest in years, more affordable.

If you are unable to provide proof of income i.e. payslips, you will need to 'self-certify' your income in order to take out a loan. This is because loan providers need to be sure that you will be able to pay the loan back in line with the terms of the credit agreement. The usual way to self-certify your income is to provide an accountant's certificate. However if you are applying for a small loan, you may be able to self-certify your income yourself, just by confirming your occupation and income in writing. This will save you the cost of paying an accountant to certify your income for you.

If you have no proof of income then don't let that stop you from applying for a loan through this website. Our partners have access to a number of lenders who will happily provide loans to people with no proof of income, so request a quote today!

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